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Geico Auto Insurance Discounts

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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Like all other major (and minor) car insurance companies, Geico offers a slew of discounts to help drivers save money on auto insurance.

It seems to be in every car insurer’s playbook these days as a motivator to get customers in the door.

But we know if can be difficult sometimes to keep up with the many discounts offered by these companies, what with their ever-changing ad campaigns.

So in an effort to simplify matters, we’ve created lists of discounts for popular insurers, with Geico being the latest installment in the series.

We’ll do our best to add (and subtract) discounts when warranted. And please feel free to chime in if there’s a discount we missed.

[You can see auto insurance discounts from 21st Century, Allstate, Esurance, Mercury, and USAA as well.]

List of Geico Auto Insurance Discounts

  • Geico car insurance discounts are abundant
  • Here are the many you can take advantage of
  • To lower a portion or all your car insurance premium
  • Note that some can’t be combined or may not be available in certain states

ABS Discount – if your vehicle has an anti-lock braking system, you may receive 5% off just the collision portion of your car insurance costs.

Accident Free Discount – if you’ve avoided a car accident for five years, Geico can offer up to 26% on most coverage options.

Air Bags Discount – you can save 25% for driver-side air bags and 40% for full-front seat air bags (this discount applies to med pay or PIP portion of your premium).

Anti-Theft Discount – you can also save up to 25% on the comprehensive portion of your coverage if you’ve got a built-in anti-theft system.

Daytime Running Lights Discount – you may receive a 1% discount simply for having daytime running lights installed on your car. This only applies to certain car insurance coverage types, and it’s a mere 1% so you probably won’t notice it…

Defensive Driving Discount – you may be eligible for a discount if you’ve taken part in a Defensive Driving course (we debunked this one already). But it’s worth mentioning regardless.

Driver’s Education Discount – young drivers may be able to save their parents some money by completing a driver’s education course. This can help cut down that hefty premium, and believe us, every little bit helps there!

[How much is car insurance for a teen driver?]

Emergency Deployment Discount – Geico offers up to 25% off to those deployed in the Enduring Freedom or Iraqi Freedom campaigns, along with other “imminent-danger zones.” Be sure to tell Geico about any military involvement to obtain all eligible discounts.

Federal Employee Discount – active or retired government employees may be eligible for the “eagle discount,” which offers up to 8% off the entire premium. The eagle discount refers to federal government employees at GS-7 and above. GS stands for General Schedule.

Those who hold a federal position on the non-GS pay system that is the equivalent to GS-11 and higher may also be eligible for this Geico discount.

Federal Group Discount – if you belong to one of many federal groups listed on the Geico website, you might be able to take 8% off your total auto insurance premium. but it can’t be stacked with the eagle discount. One or the other folks.

Good Student Discount – full time students (typically aged between 16 and 24) with a “B” average can get up to 15% off certain coverage types. Yet another reason to study, do your homework, and pay attention in class!

Military Discount – get up to 15% of your entire premium if active duty or retired military, or a member of the National Guard or Reserves. This is big because it applies to the entire policy premium.

Multi-Car Discount – if you insure more than one vehicle with Geico, you can save up to 25% on most of your coverage options.

Multi-Policy Discount – if you also purchase Geico Home Insurance or renter’s insurance, you can get a bundling discount that will lower your car insurance rate.

National Geographic Subscribers – if you subscribe to National Geographic, you may be eligible for additional discounts.

Partnering Organization Discount – if you’re a member of one of 500+ groups, such as alumni organizations, credit unions, fraternity or sorority organizations, student organizations, or even Berkshire Hathaway companies, you can save an additional 8% off your policy premium.

You’d be surprised at the organizations listed, including the American Kennel Club, BJ’s Wholesale Club members, and even USA Water Ski!

Seat Belt Discount – get up to 15% off med pay or PIP if you and your passengers always wear your seat belts. It’s unclear how they prove this one…

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Make Sure You’re Receiving All Geico Discounts Available to You

  • Both existing Geico customers and prospective ones
  • Should take the time to go through the entire list of discounts
  • To ensure they receive any and all they are eligible for
  • Just remember that all the discounts in the world might still result in a higher premium cost

If you get a quote from Geico, or already have coverage in place, you may want to take the time to comb through this list line by line to ensure you’re getting all the discounts you deserve.

Keep in mind that while discounts are generally a good thing, if you find a lower car insurance premium with a different provider that doesn’t offer discounts, you’re better off going with them.

The final price is what matters, not the discounted rate if it’s still higher than competing offers.

Additionally, these Geico discounts may not be available in all states or by all Geico companies.

And as noted above, many discounts only apply to small portions of your overall policy premium, so the savings many not be as substantial as they appear.

For example, if you receive 10% off a portion of your policy that only costs $50, that’s just $5 off. Sure, it’s still money, but you might be disappointed.

Read more: How to reduce your car insurance costs.

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